BMO
We compare 13 credit cards, 7 chequing accounts and 1 savings account from BMO.
Updated October 2026
BMO credit cards
5x on Blue Rewards partners (incl. Blue Rewards Travel)
- No annual fee, with free supplementary cards
- 5 points per dollar at 400+ Blue Rewards partners, including Blue Rewards Travel
- Welcome bonus needs just $1,500 of spending in 110 days
1.5% on gas stations
- No annual fee, and employee cards are free
- 1.5% cash back on gas, phone and internet bills and office supplies
- 1.75% back at Shell stations in Canada
3% on groceries
- 3% cash back on groceries with no annual fee
- 1% back on recurring bills
- Recommended credit score of 600+ suits newer borrowers
2.5x on recurring bill payments
- No annual fee
- 5 points per $2 on groceries, dining, takeout and recurring bills
- Up to 5,000 bonus points a year for paying on time and redeeming
13.99% purchase interest rate
- 13.99% purchase interest rate
- 0.99% introductory balance transfer rate for 9 months
- $29 annual fee waived in the first year
2x on Porter Airlines purchases
- Annual voucher for 35% off the base fare of one Porter booking
- Automatic VIPorter Passport status with early boarding
- $89 annual fee waived in the first year
5% on groceries
- 5% cash back on the first $500 of groceries each month
- 4% on transit and 3% on gas and EV charging
- Travel medical, trip cancellation and rental car insurance
5x on dining
- 5 points per dollar on dining
- $120 annual fee waived in the first year
- Simple two-tier earn structure
4x on gas & Office Supplies & Phone & Internet
- 4x points on gas, office supplies, and phone and internet bills
- 1.5 points per dollar on all other purchases
- Annual fee waived in the first year
5x on travel
- 5 points per dollar on travel purchases
- 3 points per dollar on dining, entertainment and recurring bills
- Airport lounge passes through Mastercard Travel Pass
2x on groceries & Gas & EV Charging & Wholesale & Alcohol
- 2x points on groceries, gas, EV charging, wholesale and alcohol
- $150 annual fee waived in the first year
- Includes airport lounge access and a NEXUS rebate
3x on Porter
- 3x points on Porter purchases
- 2x points on travel, groceries and dining
- Annual fee waived in the first year
5x on travel & Dining & Groceries & Gas & Drugstore
- 5 points per dollar on travel, dining, groceries, gas and drugstores
- Five broad bonus categories cover a big share of household spending
- Airport lounge access
BMO chequing accounts
| ACCOUNT | PER YEAR | PER MONTH |
|---|---|---|
| BMO Performance Chequing Account - Canadian Defence Banking ServicesBMO | $0 | $0 |
| BMO Performance Student Chequing AccountBMO | $0 | $0 |
| BMO Everyday Chequing AccountBMO | $48 | $4.00 |
| BMO Plus Chequing AccountBMO | $143.40 | $11.95 |
| BMO Performance Chequing AccountBMO | $215.40 | $17.95 |
| BMO Performance Chequing Account for NewcomersBMO | $216 | $18.00 |
| BMO Premium Chequing AccountBMO | Check issuer | Check issuer |
BMO savings accounts
| ACCOUNT | PER YEAR | PER MONTH |
|---|---|---|
| BMO Savings Amplifier AccountBMO | $0 | $0 |
Questions
What does BMO offer?
We compare 13 credit cards, 7 chequing accounts and 1 savings account from BMO. Each product links to a full breakdown of its fees and features.
Does BMO have a credit card with no annual fee?
Yes. 4 BMO cards have no annual fee: BMO Blue Rewards Mastercard, BMO CashBack Business Mastercard, BMO CashBack Mastercard, BMO eclipse rise Visa Card.
CreditLab is independent and not affiliated with BMO. Compare other issuers.